Typically, a classic car insurance policy requires specific storage conditions for cars. These conditions may have minimum requirements, or your storage location and facility may be used to determine your premiums. Cars stored in climate-controlled, secure facilities are less likely to incur damage than those left outside. If you live in or near Milford, CT, and have questions about classic cars or other insurance, contact the White Oak Insurance LLC team for assistance.
Classic Car Insurance and Storage Requirements
Generally, your car’s storage conditions should match the car’s value. Some automobile insurers will not write policies for classic cars unless their owners store them in covered, secured facilities. The quality of indoor storage can vary from an attached garage to an outbuilding to a secure facility suitable for high-end classic cars. Other insurance companies accept vehicles stored in driveways or other outdoor locations, though cars stored outside are more likely to be vandalized and incur animal, wind, or other damage.
Insurers also consider your geographical location. Milford, CT is subject to salt in the air and winter conditions, which can factor into the protection your car needs and the pricing of your insurance. Your choice will affect their rates regardless of where you store your classic car.
The general rule is to match the level of storage with the car’s value. However, if you cannot store your classic car in a protected environment, your agent can find a policy that matches your situation.
Classic Car Insurance with White Oak Insurance LLC
The White Oak Insurance LLC team will help you design classic car insurance that meets your requirements. If you live in the Milford, CT, area, call us today at (203) 951-6641 or stop by so we can assist you with all your insurance needs.
